I'm usually cold when I ride ... it's got to be hot before I start shedding layers.

Take today, for example ... it was +18C (64.5F) this afternoon ... and I was wearing the following:

- sleeveless jersey
- short-sleeved wool jersey
- long-sleeved fleece jersey
- rain jacket
- cycling shorts
- heavy cycling tights
- polypro socks
- wool socks
- neoprene ankle bands
- cycling shoes
- short-fingered cycling gloves
- helmet

When it reached 18C degrees, I removed my headband and full-fingered gloves.